{"id":5170,"date":"2024-06-10T19:45:09","date_gmt":"2024-06-10T19:45:09","guid":{"rendered":"https:\/\/veloxinsurance.com\/?page_id=5170"},"modified":"2024-06-10T20:04:16","modified_gmt":"2024-06-10T20:04:16","slug":"cheap-collision-insurance-in-georgia","status":"publish","type":"page","link":"https:\/\/veloxinsurance.com\/auto\/cheap-collision-insurance-in-georgia\/","title":{"rendered":"Cheap Collision Insurance in Georgia"},"content":{"rendered":"
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Understanding Collision Coverage<\/h2>\r\n
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Collision coverage helps pay for repairs after your vehicle is damaged in a wreck with another vehicle, a stationary object such as a tree or a fence and even in a single car rollover. Collision is usually purchased as part of full coverage, along with liability and comprehensive insurance. If you are financing or leasing, you may be required to purchase full coverage. You can buy collision separately, but it\u2019s not common. If your vehicle is totaled, this will pay you the actual cash value of your vehicle, minus your deductible and regardless of fault.<\/p>\n

When you need to purchase flexible, customizable car insurance<\/a> that fits your budget, let the Velox agents help.<\/p>\n <\/div>\r\n \n\n

What is Collision Insurance?<\/h2>\r\n
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It\u2019s financial protection when your vehicle is damaged or totaled after a covered event. This applies whether you are at fault or not. You may wonder why you would need this protection if another driver were at fault. The sad fact is that many people are driving around with no insurance or not enough insurance to cover the damage they cause. Yes, you can take them to court, but in most cases, that will be a long, drawn-out affair that may not result in any real money. In the meantime, you need your car repaired so you can continue getting around.<\/p>\n

Uninsured Motorist Coverage<\/h3>\n

Uninsured or underinsured motorist coverage is another option to help you repair your ride after a wreck caused by a driver who doesn\u2019t have enough insurance \u2013 or none at all. However, collision also kicks in when you are at fault. Even the most careful driver may find themselves hydroplaning on a wet road, or swerving to miss something that suddenly appears in the road.<\/p>\n <\/div>\r\n \n\n

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How Much Does Collision Insurance Cost in Georgia?<\/h2>\r\n
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The average cost is $382 annually. Since the average cost of full coverage in Georgia is $2,718 per year, collision is about 14% of the total. Keep in mind that your premium will be different since underwriters look at a variety of factors specific to each individual, including age, gender and driving record. The limit of your policy is the ACV of your vehicle. You can find a rough estimate of this at Kelley Blue Book<\/a>.<\/p>\n <\/div>\r\n \n\n

How Does an Insurance Deductible Affect Coverage in GA? <\/h2>\r\n
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This type of insurance requires a deductible. Car insurance deductibles and coverage limits<\/a> have a relation to your premium. A higher deductible leads to a lower premium, so choose the highest amount you feel comfortable with to keep costs down. Once your claim is approved, your insurer will pay the amount necessary to repair your vehicle or compensate you for the ACV if it is declared a total loss, minus your deductible<\/p>\n <\/div>\r\n \n\n

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Ready to Get a Quick Quote? <\/h2>\r\n
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